the law mandates certain minimums that people have to buy whether they need them or not. a man being forced to take on prenatal care. >> let's be clear, a woman has to pay for the men to get their prostate cancer fixed. lets be clear, we're not putting together an insurance system where you only pay for the services you need in that year, that would be paying as you go and not having insurance. the idea is that you have a group of people in the pool. >> the government is estimating that 40% of the 7 million people projected to enroll the first year need to be young and healthy to mitigate costs. it's early, but have you actually seen young, healthy people sign up. what if this age bracket opts to pay the penalty instead? >> we'll see the first month's enrollment, we are talking to a lot of young people, the 25-year-olds, they're often called the young and invincible. they're not young and stupid. they're lower income, they're starting out. they get a big financial leg up and they can buy lower cost plans because of that. >> i'm sure peter has this same sense that one of t